Dave Ramsey is one of the biggest names when it comes to personal finance, and a lot of his advice is very good.  But there are 4 of his philosophies that Erik Garcia takes issue with.  They are:

  • Looking for a 12% annual return on your investments
  • Planning for an 8% withdrawal rate in retirement
  • Promoting Only Mutual Funds
  • Asset Allocation

Erik breaks down each of these ideas, and where he disagrees with Dave’s theories on them.  At the end of the day, personal finance should be personal, not mass marketed to thousands.


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Email Erik: Erik@plan-wisely.com

Call Erik’s Office at 504-218-5479

About Erik Garcia

Hi there, I'm Erik. How you manage your money and other resources impacts practically every aspect of your life. I help individuals and families invest plan for a more secure and predictable financial future. Thanks for taking time on my site!

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